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Linebarger Goggan Blair & Sampson

2027 EMPLOYEE SUPPLEMENTAL BENEFITS

WORKING TOWARDS WELLNESS

A comprehensive guide to understanding your employee benefits program

What’s Inside 2

Welcome

Important Contacts

How to Enroll

Eligibility

Prescription Savings Card

Advance Lab Testing Function Health

Life and AD&D Insurance

13 Individual Life Insurance 14 Disability Insurance 16 Hospital Cash Insurance

Welcome We are pleased to offer a supplemental benefits package to you and your eligible dependents. Read this guide to know what benefits are available to you. You may only enroll for or make changes to your benefits during Open Enrollment or when you have a Qualifying Life Event.

Flip to... 4

How to Enroll

Eligibility

Prescription Savings Card

17 Accident Insurance 18 Critical Illness Insurance 19 Employee Assistance Program 20 Pet Insurance

Benefits you elect are effective: January 1, 2027 to December 31, 2027

Visit www.mybenefitshub.com/lgbs for full plan details.

Important Contacts Benefit Administrators Higginbotham Public Sector 833-985-1920 www.mybenefitshub.com/lgbs

LGBS General Benefits Information benefits@lgbs.com

LGBS Director of Benefits Patricia Crowell patricia.crowell@lgbs.com

LGBS Benefits Coordinator Madalyn Martinez madalyn.martinez@lgbs.com

Benefits Administrative Assistants Mila Dikbez mila.dikbez@lgbs.com Reid Balderas reid.balderas@lgbs.com

Basic and Voluntary Life and AD&D One America Policy number: 614838 800-553-5318 www.oneamerica.com

Short and Long Term Disability One America Policy number: 614838 855-517-6365 www.oneamerica.com

Employee Assistance Program One America 855-365-4754 www.oneamerica.com

Accident Insurance Voya Policy number: 694819 800-955-7736 www.voya.com

Prescription Drug Discounts Clever RX Group 1085 800-873-1195 https://partner.cleverrx.com/lgbs

Hospital Cash Insurance Chubb Policy number: 100000152 888-499-0425 cwbspecialmarketservice@ chubb.com

Individual Life 5Star Life Insurance 866-863-9753 www.5starlifeinsurance.com

Pet Insurance MetLife 800-438- 6388 www.metlife.com

Advanced Lab Testing Function Health https://www.functionhealth. com/aep/higginbotham

Critical Illness Insurance Voya Policy number: 694819 800-955-7736 www.voya.com

WORKING TOWARDS ANSWERS

How to Enroll Enrolling in benefits is simple through THEbenefitsHUB.

HPS Call Center

Employee benefits can be complicated. The HPS Call Center can assist you with the following:

Go to www.mybenefitshub.com/lgbs or scan the QR code.

2. Click Login.

Enrollment support

Eligibility issues

Benefits information

Claims and billing questions

3. Enter your information: Last name Date of birth Last four digits of your Social Security number Note: THEbenefitsHUB uses this information to check behind the scenes to confirm your employment status.

Call or text 833-985-1920 Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day. You can also email lgbs@hps. higginbotham.net.

4. Once confirmed, the Additional Security Verification page will list the contact options from your profile. Select either the Text, Email, Call, or Ask Admin options to receive a code to complete the final verification step.

Bilingual representatives are available.

5. Enter the code that you receive and click Verify to begin your benefits enrollment.

SCAN THE CODE TO ENROLL

Don’t Forget! Login and complete your benefit enrollment. Call Higginbotham Public Sector at 833-985-1920 for enrollment assistance. Review and update your information: home address, phone numbers, email, and beneficiaries. REQUIRED! Due to the Affordable Care Act reporting requirements, add your dependent’s CORRECT Social Security numbers in the online enrollment system. If you have questions, contact your Benefits Administrator.

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How to Enroll Enrollment FAQs What if I miss the enrollment deadline? You may only enroll for or change your benefits during Open Enrollment or if you have a Qualifying Life Event. Is there an age limit for dependents to be covered under my benefits? You may cover dependents up to age 26 on most benefit plans, but there are exceptions. See the Eligibility section for more details. Where do I find benefit summaries and forms? Access www.mybenefitshub.com/lgbs and click on the benefit plan you need (i.e., Accident). Each plan form is under the specific benefit under Resource.

BENEFIT QUESTIONS? Ask your Benefits Department. Call 833-985-1920 for Higginbotham Public Sector.

Important Limitations and Exclusions Information The following limitations and exclusions may apply when obtaining coverage as a married couple or for your dependents. Can I cover my family — a spouse or a dependent — as dependents on my benefits if we work for the same employer? Some benefits may not allow you to do this if you work for the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for spouse and dependent eligibility.

Eligibility Who is Eligible for Benefits You are eligible for coverage if you are a regular, full-time employee. You may only enroll for coverage when: You are a new hire

It is Open Enrollment (OE)

Status

New Hire

Employee

Dependent(s)

Who is Eligible

• Regular, full-time employee • Working an average of 20 or more hours per week

• Your legal spouse • Child(ren) under age 26, regardless of student, dependency, or marital status • Child(ren) over age 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return

When to Enroll

Enroll by the deadline given by Human Resources

Enroll during OE or when you have a QLE

• You must enroll the dependent(s) during OE or when you have a QLE • When covering dependents, you must enroll for and be on the same plans • Dependents cannot be double-covered by married spouses within the district as both employees and dependents

When Coverage Starts

Coverage begins the 1st of the month following the date of hire or coincidental with date of hire if hired on the 1st day of the month.

• You must be actively at work on the plan effective date for new benefits to be effective • QLE: Ask Human Resources

Based on OE or QLE effective dates

About Your Coverage Effective Date You must be Actively at Work on the date your coverage becomes effective. Your coverage must be in effect for your spouse’s and eligible children’s coverage to take effect. See plan documents for specific details.

See page 5 for Important Exclusions and Limitations.

You have a Qualifying Life Event (QLE)

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Maximum Dependent Eligibility Age by Plan

TO AGE 26

Accident, Hospital Indemnity, Critical Illness, Voluntary Life, Individual Life

Qualifying Life Events You may only change coverage during the plan year if you have a Qualifying Life Event, such as:

Marriage

Birth

Divorce

Adoption

Legal separation

Placement for adoption

Annulment Death

Change in benefits eligibility Death

Undergoing FMLA, COBRA event, judgment, or decree Becoming eligible for Medicare, Medicaid, or TRICARE Receiving a Qualified Medical Child Support Order

Gain or loss of benefits coverage Change in employment status affecting benefits Significant change in cost of spouse’s coverage

You have 30 days from the event to notify Human Resources and complete your changes. You may need to provide documents to verify the change.

Prescription Savings Card Clever RX Benefits With Clever RX, you never have to overpay for prescriptions. When you use the Clever RX card or app, you get up to 80% off prescription drugs, discounts on thousands of medications, and usage at most pharmacies nationwide.

1. Download the free Clever RX app

and enter these numbers during the onboarding process:

Group ID: 1085 Member ID: 3506 BIN: 020529 PCN: CLEVR

Use your ZIP code to find a local pharmacy with the best price for your medication — up to 80% off!

Click the voucher with the lowest price, closest location, and/or at your preferred pharmacy and show the voucher to the pharmacist.

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QUESTIONS? Call 800-873-1195. Download the Clever RX app.

Advanced Lab Tests and Health Screenings New! Function Membership Get a deeper understanding of your body and spot potential issues early. Your benefit plan includes the opportunity for you and your family to enroll for a Function membership. Function empowers you to own your health through affordable access to advanced lab testing. A Function membership evaluates five times more biomarkers than the average physical, helping you gain a deeper understanding of what’s going on in your body, monitor for early indicators of disease, and track your health as it evolves. The membership includes: Access to 100+ lab tests at the start of your membership. Access to an additional 60+ midyear follow-up tests to track your progress. Detailed clinician notes highlighting areas of focus. A targeted action plan to help improve your health. Results stored on one secure platform for easy access anytime.

Carrier:

HOW THE PROCESS WORKS After signing up for Function, you will get an email and text message to schedule a convenient time and location for your lab visit. Tests take less than 30 minutes and are done at one of more than 2,000 partner lab locations nationwide. You will then get a detailed summary of your results and a targeted action plan to help you reach your health goals. All results are stored in one secure location for you to access anytime. You can retest in six months to see how you are progressing. Nonroutine tests (e.g., advanced MRI, early detection of multiple cancers, allergies, heavy metals, and more) may be added for an additional cost.

Advanced Lab Tests and Health Screenings Test More. Know More. Advanced testing across: Heart

Heavy Metals

Sexual Health

Immunity

Liver

Electrolytes

Metabolics

Kidneys

Thyroid

Hormones

Pancreas

Autoimmunity

Nutrients

Prostate

Urine

Blood

The cost for an individual annual membership* is $335! FSA/HSA ELIGIBLE Funds from your Flexible Spending Account (FSA) or Health Savings Account (HSA) may be used to pay for your membership. Reimbursement is not guaranteed, so please contact your FSA/HSA provider in advance to confirm the terms of reimbursement. If you do not have an FSA or HSA, use a personal credit card.

How to Enroll

Enroll anytime during the year. You will pay the membership fee(s) directly to Function. Visit https://www.functionhealth.com/aep/higginbotham.

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Life and AD&D Insurance

Watch and learn more!

Life and Accidental Death and Dismemberment (AD&D) insurance is important to your financial security, especially if others depend on you for support or vice versa.

Life and AD&D Provider:

WORKING TOWARDS SECURITY

With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies). Your original benefit amount will reduce to 65% at age 65, 40% at age 70, 25% at age 75, and 15% at age 80.

Basic Term Life and AD&D Basic Term Life and AD&D insurance are provided at no cost to you. You are automatically covered at $15,000 for each benefit.

Designating a Beneficiary A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).

Life and AD&D Insurance Voluntary Life and AD&D You may buy more Life and AD&D insurance for you and your eligible dependents. If you do not elect Voluntary Life and AD&D insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health. You must elect Voluntary Life and AD&D coverage for yourself before you may elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you.

Supplemental Term Life and AD&D Insurance Employee

• Increments of $10,000 up to $1,000,000 not to exceed 5 times your salary • New hire Guaranteed Issue $250,000

Spouse

• Increments of $10,000 up to $250,000 not to exceed 100% of employee’s amount. • New hire Guaranteed Issue $50,000

Child(ren)

• Birth to 6 months - $1,000 • 6 months to age 26 - $10,000

RATES For personalized rates, access www.mybenefitshub.com/lgbs.

Supplemental Coverage Highlights Portable – keep your supplemental coverage if you leave your current employer. Convertible – convert your group term life insurance benefits to an individual whole life policy if your coverage ends. Accelerated Benefits Option – get up to 75% of your life insurance benefit if you (or your spouse) are terminally ill and have less than 12 months to live. Note: this benefit is not the same as long term care insurance. Some limitations and exclusions apply, so see the plan documents for details.

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Individual Life Insurance Individual Life Insurance is an individually owned plan that you can purchase for you and your family’s needs to provide flexible, long-term coverage and complement your group life and AD&D policy.

For More Information Visit https://5starlifeinsurance.com. Call 866-863-9753.

Individual Life Provider:

The Family Protection Plan pays a lump-sum cash benefit that stays level for the first ten years and is intended to remain the same through age 121. It does not change based on your age, health, or employment. You can add coverage for your spouse, even without enrolling yourself, and for dependent children or grandchildren (ages 14 days to 26 years). Your beneficiaries receive 50% of coverage (up to $10,000) within one business day, unless under a contestability review. This coverage has no war or terrorism exclusions.

2027 ENROLLMENT PLAN YEAR Guaranteed Issue is offered to all eligible applicants regardless of health status. No doctor exams or physicals. Employee: $150,000 Spouse: $50,000 Child: $10,000

Individual Life Highlights

WHY BUY LIFE INSURANCE WHEN YOU ARE YOUNG? It helps you lock in lower rates, secure more coverage, and protect your loved ones from future financial burdens.

Portable: Keep your coverage if you change jobs or retire — you can be billed directly. Terminal Illness Benefit: Receive 30% of your coverage as a lump sum if a terminal condition limits your life expectancy to less than 12 months. Quality of Life Benefit: Access up to 75% of your death benefit in monthly payments if you permanently lose the ability to perform two or more daily activities or develop a severe cognitive impairment such as dementia or Alzheimer’s. Use the money however you need it.

INDIVIDUAL LIFE RATES Visit https://web.mybenefitshub.com/lgbs for rates.

Disability Insurance Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We provide Short Term Disability (STD) and Long Term Disability (LTD) for you to purchase.

STD insurance pays cash benefits for covered injuries and illness if you are not able to work for a short period of time due to a non-work-related injury or illness. It provides a percentage of pre-disability earnings on a weekly basis when you are out on a disability claim. You can use the money however you see fit.

Voluntary Short Term Disability Voluntary STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy or non-work related injury. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is job-related, it is considered Workers’ Compensation, not STD. Voluntary Short Term Disability 15th day

Percentage of Earnings You Receive

60%

Maximum Weekly Benefit

$1,500

Maximum Benefit Period

11 weeks

Pre-existing Condition Exclusion

Short Term Disability FAQ How can STD benefits help me?

Disability Provider:

Benefits Begin

Watch and learn more!

3/12*

*Benefits may not be paid for any condition treated within 3 months prior to your effective date until you have been covered under this plan for 12 months.

SHORT TERM DISABILITY RATES

Visit https://web.mybenefitshub.com/lgbs for rates.

How is STD different than Workers’ Compensation? Workers’ Compensation applies to a jobrelated injury or illness. STD benefits may apply if you are unable to work due to pregnancy or non-work-related illness or injury. Will I get all of my disability benefit? Your disability benefit may be reduced by other income you receive or are eligible to receive due to your disability. Some of these income sources may include Social Security disability insurance, Workers’ Compensation, unemployment benefits, etc. Some limitations and exclusions may apply so read your plan documents for details. How do I apply for Short Term Disability? Contact your Human Resources/Benefits Office to begin STD benefits.

Visit www.mybenefitshub.com/lgbs for full plan details. RETURN TO TOC

Disability Insurance Voluntary Long Term Disability

Watch and learn more!

Voluntary LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 90 days. Benefits begin at the end of an elimination period and continue while you are disabled up to maximum benefit period. Voluntary Long Term Disability Benefits Begin Percentage of Earnings You Receive

91st day 60%

Maximum Monthly Benefit

$10,000

Maximum Benefit Period

SSNRA

Pre-existing Condition Exclusion

3/12*

*Benefits may not be paid for any condition treated within 3 months prior to your effective date until you have been covered under this plan for 12 months.

Long Term Disability FAQ How can LTD benefits help me? LTD insurance pays cash benefits for covered injuries and illness if you are not able to work for an extended period of time due to a chronic injury or illness. It provides a percentage of pre-disability earnings on a monthly basis when you are out on a disability claim. You can use the money however you see fit. When do LTD benefits begin?

LONG TERM DISABILITY RATES

Visit https://web.mybenefitshub.com/lgbs for rates.

The start of your LTD insurance depends on the specifics of your policy and your disability. LTD usually begins after a predetermined waiting period (such as 90 to 180 days from the onset of the disability). Will I get all of my disability benefit? You will get a percentage of your income – typically 60%. However, your disability benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as unemployment benefits. Some limitations and exclusions may apply so read your plan documents or contact Human Resources for details. How long will the LTD benefits last? Refer to your specific LTD policy for term limits. Some policies pay benefits until age 65, while others have a fixed number of years.

Hospital Cash Insurance

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The Hospital Cash plans help you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay.

Hospital Cash Insurance Provider:

Unlike traditional insurance which pays a benefit to the hospital or doctor, these plans pay you directly. It is up to you how you want to use the cash benefit. These costs may include meals, travel, childcare or eldercare, deductibles, coinsurance, medication, or time away from work. See the plan document for full details.

Hospital Cash Benefits Summary Plan 1

Plan 2

Hospital Admission

$1,000

$2,000

Hospital Confinement

$100 per day up to 30 days

$300 per day up to 30 days

ICU Confinement

$200 per day up to 30 days

$600 per day up to 30 days

ICU Admission

$2,000

$4,000

$8.84 $17.31 $13.56 $22.03

$25.03 $48.94 $37.71 $61.62

Employee Monthly Contributions Employee Employee and Spouse Employee and Child(ren) Employee and Family

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Accident Insurance Accident insurance provides affordable protection against a sudden, unforeseen accident.

Watch and learn more!

Accident Insurance Provider:

The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductible, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details.

Accident Insurance Benefits Summary Benefits Ambulance • Ground • Air

$600 $2,500

Emergency Room

$300

Admission • Hospital

$2,000

Confinement • Hospital – up to 365 days per lifetime • ICU – up to 15 days Specific Sum Injuries Dislocations, ruptured discs, eye injuries, fractures, lacerations, concussions, and more Accidental Death & Dismemberment1 (Common Carrier) • Employee • Spouse • Child(ren)

$300 per day $600 per day

Up to $40,000

$200,000 $100,000 $50,000

Employee Monthly Contributions Employee Employee and Spouse Employee and Child(ren) Employee and Family

$10.58 $15.12 $20.16 $24.70

WORKING TOWARDS PROTECTION

*Percentage of benefit paid for dismemberment is dependent on type of loss.

Critical Illness Insurance

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Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer.

Critical Illness Insurance Provider:

The plan provides a lump sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. This coverage is portable. See the plan document for full details.

Critical Illness Insurance Benefits Summary Critical Illness Insurance Plan Employee – $5,000, $10,000, $15,000, $20,000,$25,000, $30,000 Spouse – $5,000, $10,000, $15,000, $20,000,$25,000, $30,000 (Not to exceed 100% of employee amount) Children – $1,000, $2,500, $5,000, $10,000, $15,000 (Not to exceed 50% of employee amount) First Occurrence Benefit Full Coverage Advanced multiple sclerosis; advanced Parkinson’s disease; ALS (aka Lou Gehrig’s disease); Alzheimer’s disease; benign brain tumor; coma/brain injury; coronary artery bypass; end-stage renal failure; full benefit cancer; heart attack; heart transplant; heart, kidney, or organ failure; invasive cancer; loss of sight, speech, or hearing; major burns; paralysis; stroke Wellness Benefit One per covered person per calendar year Childhood Diseases Cerebral palsy; Niemann-Pick disease; congenital birth defects; cystic fibrosis; Sickle cell anemia; Down syndrome; Type 1 diabetes; Gaucher disease type II or III; infantile Tay-Sachs; Zellweger syndrome

Critical Illness Insurance Rates Visit www.mybenefitshub.com/lgbs for rates.

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100% of benefit amount

$50

100% of benefit amount

Employee Assistance Program Get 24/7 Support

An Employee Assistance Program (EAP) helps you and family members cope with a variety of personal or work-related issues.

Visit guidanceresources.com. Call 855-365-4754 or TTY 800-697-0353. Download the GuidanceNow app. Web ID: ONEAMERICA6.

EAP Provider:

Get confidential counseling and support services from licensed professionals at little or no cost to help with:

Highlights Confidential emotional support

Financial resources

Work-life solutions

Free online will preparation

Legal guidance

Online support and tools

Relationships Work/life balance Stress and anxiety Grief and loss Childcare and eldercare resources Substance abuse Addiction And more

WORKING TOWARDS SUPPORT

Pet Insurance

For More Information Visit www.metlife.com. Call 800-GET-MET8 (800-438-6388).

Pet insurance is a financial safety net for your furry family. Get reimbursed for accidents and illnesses, and get a prompt response via the 24/7 pet health helpline. Watch and learn more! Carrier:

Covered Services Emergency visits

Surgeries

Lab fees

Cancer

X-rays and tests

And more

Why Pet Insurance Flexible offerings with straightforward pricing Quick enrollment process and hassle-free claims Experienced team of pet advocates

How the Plan Works Select and enroll the coverage that is best for you and your pet. Take your pet to the vet and pay the bill. Submit your claim online. Get reimbursed for eligible vet bills by check or direct deposit. For full plan details, visit www.mybenefitshub.com/lgbs.

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Notes ________________________________________________________

________________________________________________________

This brochure highlights the main features of the LGBS employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. LGBS reserves the right to change or discontinue its employee benefits plans anytime.